22875 Lawrence Ave, Leonardtown, MD 20650 Property Records

St. Mary's County property record for 22875 Lawrence Ave, Leonardtown, MD 20650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,173 sqft · built 1949
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Oct 1999)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-013227`

Property Details

APN / Parcel Number

Primary APN	`03-013227`
Alternative APNs	`3013227` `013227`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,173 sqft Total Area
Utility Area	80 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Porch	Slab
Porch Area	354 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	013227
Street Address	22875 LAWRENCE AVE
City	LEONARDTOWN
State	MD
Zip	20650-3871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	LOT 1 W/S LAWRENCE AVE LEONARDTOWN
Legal Lot Number	1
Jurisdiction	ST MARY'S MD
Township / Civil Division	3, LEONARDTOWN
Census Block Group	2
Census Block	2000
Census Tract	875400

Owner

22875 Lawrence Ave is owned and occupied by two individuals who acquired it in April 2014.

Source: St. Mary's County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 127, LEONARDTOWN, MD 20650-0127
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 7, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1999 · Amount on File
Deed Sale	Oct 1, 1999 · Amount on File
Prior Sale	Aug 12, 1977 · Amount on File
Deed Document Number	1999863
Deed Book / Page	1470 / 101
Last Transfer Date	Apr 24, 2014
Transfer Doc	0040340783
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	22875 LAWRENCE AVE, LEONARDTOWN, MD 20650-3871
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22875 LAWRENCE AVE, LEONARDTOWN, MD 20650-3871

Mortgage

Document Number	0062820459
Date	Jan 12, 2023
Book Page	6282/459

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 10, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST MARY'S MD
Property Address	22875 LAWRENCE AVE, LEONARDTOWN, MD 20650-3871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053090465
Date	Apr 7, 2020
Book Page	5309/465

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 22875 Lawrence Ave was $2,542 with a homeowner's exemption.

Source: St. Mary's County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	St. Mary's County
Municipality	Leonardtown Town
Unified School District	St. Marys County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$223,467 (+1.53%)	$230,200 (+4.59%) Land $97,700 Building $132,500
2025	$2,542.00 Homeowner's exemption	$220,100 Land $97,700 Building $122,400	$220,100 Land $97,700 Building $122,400
2023	$2,271.00 Homeowner's exemption	$196,100	$220,100 Land $97,700 Building $122,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22875 Lawrence Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective May 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1998–2024)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 22875 Lawrence Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF LEONARDTOWN serves 5,000 people · EPA ID MD0180006
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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